TaxSaleNinja / State Guides / Florida
Tax Lien
Florida Tax Sale Laws — Investor Guide
Investors purchase a lien on the property, earning interest until the owner redeems it or the investor forecloses.
Redemption Period
2 years from sale date
Max Interest Rate
18% / year
IRS Lien Survives
Yes — verify before bidding
Foreclosure Required
No
Quiet Title Required
Not typically required
Counties Covered
67 counties
How Tax Sales Work in Florida
Florida is a tax lien state. Liens earn 18% interest (or 5% minimum). Redemption period is 2 years from sale. After 2 years, holder may apply for a tax deed.
Quick Due Diligence Checklist for Florida
Verify property is still on the auction list within 48 hours of sale (redemptions happen until the last minute)
Check for federal IRS liens — they survive the tax sale in Florida
Search for HOA liens and municipal code violations — these may survive in some counties
Budget for foreclosure costs — required in Florida to convert a lien to deed
Budget for quiet title action — required in Florida before title insurance will issue
Drive the property or use street view to confirm structure exists and is accessible
Verify assessed value vs. back taxes owed — if taxes exceed assessed value, it may be a junk property
Source: Fla. Stat. § 197.172 · Verified: March 2026 · Always verify current laws directly with the Florida state statutes and your county treasurer. This is not legal or investment advice.
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